Mortgage Loan Officer for Home Purchase, Refinance and Pre-Approval

Work directly with a licensed mortgage loan officer on home purchase loans, refinancing and pre-approval. Get a clear view of what you qualify for, what it costs and how long it takes before committing to anything.

Joshua Pruitt, Loan Officer at NEXA Lending. NMLS #2312059. Call (904) 535-1936.

Frequently Asked Questions

Who is Joshua Pruitt?

Joshua Pruitt is a Loan Officer at NEXA Lending (NMLS #2312059). Expert mortgage loan originator in Florida helping first-time buyers, refinancing, and home purchases. Licensed #2312059. Call (904) 535-1936 today.

What areas does Joshua Pruitt serve?

Joshua Pruitt is licensed to provide mortgage services in Florida.

What services does Joshua Pruitt offer as a mortgage loan officer?

Joshua Pruitt offers a full range of mortgage services, including home purchase loans, mortgage refinancing, and first-time homebuyer programs for borrowers in Florida. FHA, VA, USDA, conventional, jumbo, and DSCR loan programs are available — compare options, secure competitive rates, and move smoothly from application through closing.

How can I contact Joshua Pruitt?

You can call (904) 535-1936 and email jpruitt@NEXALending.com to get started or ask about current mortgage rates and pre-approval.

What is Joshua Pruitt's NMLS number?

Joshua Pruitt's NMLS license number is 2312059. You can verify this license at nmlsconsumeraccess.org.

How do I get pre-approved for a mortgage with Joshua Pruitt?

Getting pre-approved is simple: share your income, assets, and credit details, and Joshua Pruitt will review your finances to determine how much home you can afford and provide a pre-approval letter to strengthen your offer.

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(904) 535-1936
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About Joshua Pruitt

Building Dreams:
Joshua Pruitt Commitment to Mortgage Excellence

Joshua Pruitt is dedicated to helping individuals and families achieve their homeownership goals through expert guidance, transparent communication, and tailored mortgage solutions designed around real-life needs.

Strategic Partnership Focus
Tailored Loan Structuring
Simplifying the Lending Journey
Personal Touch & Passion

Tailored Loan Structuring

Empowering clients through exceptional service, honest advice, and a relationship-first approach.

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Joshua Pruitt - Loan Officer

Use Our Tools

Pre-Qualification Letter

Having a pre-qualification letter will let your realtor know that you are a qualified buyer and makes loan processing smoother for everyone involved.

Refinance Analysis

See what your refinance options look like now, short refinance, rate and term refinance, streamline refinance options and appraisals.

Today's Mortgage Rates

Compare a wide variety of rates from your current lender. Find the best rates available based on current market conditions and your personal credit profile.

Types Of Loans

Prepare for the Best Mortgage Experience

01

FHA Loan

FHA loans provide lower down payments and credit requirements, making homeownership easier for first-time buyers. Contact an FHA loan specialist near me for pre-approval and competitive FHA mortgage rates today
Learn more
02

Adjustable Rate Mortgage

An Adjustable Rate Mortgage features an interest rate that changes over time, beginning with an initial fixed period. Check current adjustable mortgage rates and 10-year ARM rates today to calculate ARM mortgage payments.
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03

Reverse Mortgage

A reverse mortgage enables homeowners aged 62 or older to convert home equity into cash. This reverse home loan is repaid when they sell or move, with various options from reverse mortgage lenders and HECM reverse mortgage lenders available.
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04

Jumbo Loan

A Jumbo Loan is a mortgage that surpasses conforming loan limits, often necessitating higher credit scores and larger down payments. Check jumbo mortgage rates today and explore options from the best jumbo mortgage lenders.
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05

USDA Loan

A USDA loan is a government-backed mortgage for rural and suburban homebuyers, offering no down payment and low interest rates. Explore USDA loan eligibility and agriculture home loans with rural lenders for first-time buyers.
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06

Fix & Flip Loan

Fix and flip investors loans are short-term financing options designed for real estate investors. They provide quick capital to purchase, renovate, and sell properties for profit, often with flexible terms and faster approval processes.
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Live Mortgage Pricing

How It Works

Working Steps

01

Pre-Approval

Borrowers submit financial documents to the lender for a pre-approval letter. This letter outlines the potential loan amount and loan terms, helping you understand your budget for home buying.

02

Home Search and Offer

Borrowers submit financial documents for a pre-approval letter, detailing potential loan amounts and terms. This helps you set a budget for real estate and navigate your home search and purchase agreement effectively.

03

Loan Application

A formal loan application is submitted with financial details and property details. The lender then conducts appraisal and underwriting to evaluate the loan's eligibility and overall risk.

04

Closing

On the closing date, borrowers sign final documents and pay closing costs. This process ensures the official transfer of ownership, completing the property ownership transition to the new buyers.

From Blog

Latest Blog Posts

Insights and tips to guide you through home financing.

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